Search found 737 matches

by exigent
Sat Sep 24, 2011 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody using Personal Finance Software
Replies: 26
Views: 11193

I recently ditched Quicken 2007 (Mac) due to a lack of Lion support. I replaced it with Moneydance, and I really (really!) like it.
by exigent
Thu Sep 22, 2011 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: A crisis is a terrible thing to waste
Replies: 23
Views: 3550

I harvested losses back in August, and just a few minutes ago, I switched back to my original (slightly more desirable) positions since the market is back below where it was when I TLH'd.
by exigent
Thu Sep 15, 2011 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: TLH - Need Recommendations for Acceptable Swaps
Replies: 14
Views: 1650

Any idea if Vanguard will start carrying over the basis info on mutual fund to ETF conversions? They don't do so now (and warn you about it when converting). FWIW, I TLH'd in August and *almost* got to switch back to my pre-harvest positions on Monday, but it didn't get quite low enough before the m...
by exigent
Mon Sep 12, 2011 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone use Rick Ferri's company Portfolio Solutions?
Replies: 9
Views: 2754

Sorry, I can't help as I've been doing it all myself. Just chiming in to say that I would consider using a low cost manager, but I have several employer-related retirement accounts that they wouldn't manage, so I'd still end up having to manage a portion of the portfolio myself. If I'm going to do p...
by exigent
Sun Sep 11, 2011 8:46 pm
Forum: Investing - Theory, News & General
Topic: reading recommendations wanted
Replies: 14
Views: 1809

I'm a big fan of The Four Pillars of Investing by William Bernstein. Haven't read Ferri's book, but would like to.
by exigent
Sun Sep 11, 2011 4:18 pm
Forum: Investing - Theory, News & General
Topic: selling and buying Vanguard ETFs on same day
Replies: 5
Views: 2797

livesoft: Thanks for the confirmation/clarification. I'm not planning on selling after I make the switch, so I'm not concerned about free-riding. I just don't want to be out of the market for any longer than absolutely necessary. sscritic: Yes, that's a good strategy, but this is a fairly significan...
by exigent
Sun Sep 11, 2011 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: wash sale clarification
Replies: 15
Views: 3004

Re: wash sale clarification

That is the rule; you have a wash if you buy replacement shares within 30 days before or after the sale. If you are cutting it this close, check that your 8/16 transaction posted on that day and not on 8/17. Good advice. Yes, the share exchanges occurred on that date, so I should be good to go. Rel...
by exigent
Sun Sep 11, 2011 3:32 pm
Forum: Investing - Theory, News & General
Topic: selling and buying Vanguard ETFs on same day
Replies: 5
Views: 2797

selling and buying Vanguard ETFs on same day

Hi all, Quick question since I'm new to ETFs... I would like to sell shares of one Vanguard ETF and immediately buy shares of another Vanguard ETF. These shares are held with Vanguard Brokerage Service (VBS). Based on some Googling (here and elsewhere) it appears that I can sell/buy in this way on t...
by exigent
Fri Sep 09, 2011 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: Confused - why not index funds in nontaxable accounts?
Replies: 11
Views: 3615

Wow. Scary that she gets paid for financial advice.
by exigent
Fri Sep 09, 2011 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: wash sale clarification
Replies: 15
Views: 3004

wash sale clarification

Hey all, Just a quick clarification on the wash sale rule... I TLH'd some shares on 8/10 and then again on 8/16. If I'm looking to move new money back into that same investment, my understanding is that I have to wait 31 days - correct? By my count, the 31st day would be next Friday, 9/16 (31 days f...
by exigent
Tue Sep 06, 2011 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Loss harvesting options for VG Total Stock Market and Intl?
Replies: 39
Views: 4648

I recently harvested losses and used the same partners that Livesoft outlined above. I will change back if there is an additional loss to make it worthwhile, or perhaps if there is an inconsequential gain.
by exigent
Sun Sep 04, 2011 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Unpaying off mortgage- How?
Replies: 34
Views: 4139

Of course, the danger of relying on a line of credit vs. a loan is that the line can be reduced or closed at the banks discretion. Likely? Perhaps not, but it did happen to a lot of people during the credit crisis. The bummer here is that is that a line reduction or closure seems most likely to happ...
by exigent
Sat Sep 03, 2011 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Unpaying off mortgage- How?
Replies: 34
Views: 4139

A third option would be a no-cost refinance where you accept a marginally higher rate in return for cash to cover the closing costs -- essentially selling, instead of buying points. Note that this is different from rolling the closing costs into the mortgage balance.
by exigent
Thu Sep 01, 2011 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: TBM sucker bet right now ?
Replies: 38
Views: 5835

FWIW, the VG intermediate term tax exempt admiral shares are currently paying 2.53% - a much better option for taxable accounts than TBM.
by exigent
Thu Sep 01, 2011 9:33 pm
Forum: Personal Consumer Issues
Topic: Fax Suggestion?
Replies: 9
Views: 1377

I dropped about $30 on a cheap fax machine. It sits on the shelf until I need to send a fax, which is maybe a couple of times per year. Works for me.
by exigent
Thu Sep 01, 2011 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: I've just made $2Million Now What?
Replies: 52
Views: 11749

Assuming that the bulk of the sale is a LTCG, $2M before taxes is worth a lot more than $2M after taxes.
by exigent
Wed Aug 31, 2011 9:21 pm
Forum: Investing - Theory, News & General
Topic: "Why Don't We Invest Like This Guy?"
Replies: 17
Views: 4298

My personal rule is to take only as much risk as you need to. I have no interest in borrowing to the hilt to pull down 5% returns just like I have no interest in shorting gold just b/c I think it's in a bubble. Pigs get fat, hogs get slaughtered.
by exigent
Tue Aug 30, 2011 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: $ 9.5K for kids braces--is this unusually high ?
Replies: 21
Views: 3363

We've had two in braces so far, and neither one of them cost anywhere near that. That $9.5k is at least 2x too high.
by exigent
Sun Aug 28, 2011 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: They don't ever give out 1099s??
Replies: 34
Views: 4476

Hmm, nice catch. I hadn't made that connection. Thanks for the clarification.
by exigent
Sun Aug 28, 2011 8:31 pm
Forum: Investing - Theory, News & General
Topic: Does anybody think that gold may be the next bubble?
Replies: 29
Views: 3410

Lots of people think gold is the next bubble. Others don't. I'd go as far to say that many more people believe the former than the latter. But... Even if it is bubble-icious, how much higher will it go before it bursts? And how long will it take for that to happen? And are you willing to bet a chunk...
by exigent
Sun Aug 28, 2011 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: They don't ever give out 1099s??
Replies: 34
Views: 4476

For example, you might pay your accountant. Do you give her a 1099? This isn't the same thing. In this case, you are typically issuing payment to an incorporated practice, and corporations don't get 1099s. If you were paying an individual for accounting services and it exceeded $600, then I think (...
by exigent
Sun Aug 28, 2011 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: Need helping understand wash rule
Replies: 6
Views: 694

If you reinvested a dividend in preceding 30 days and then sold some shares for a loss, then yes... Wash sale - but for the # of shares that were picked up in the reinvestment. The rest of the transaction is okay. Exceptions: Selling out entire position (as long as you don't buy back in within 30 da...
by exigent
Wed Aug 24, 2011 6:33 pm
Forum: Investing - Theory, News & General
Topic: 8-24-2011: Steve Jobs Resigns as CEO
Replies: 66
Views: 7489

Question of the day: Is this a buying opportunity? Or is Apple worth less (but not necessarily worthless) without Jobs at the helm?

Discuss. 8-)
by exigent
Sat Aug 20, 2011 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: tracking i bonds in your allocation
Replies: 4
Views: 634

So you essentially pool TIPS and I Bonds? Makes sense.
by exigent
Sat Aug 20, 2011 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: tracking i bonds in your allocation
Replies: 4
Views: 634

tracking i bonds in your allocation

Hey all, I've run across some threads debating whether I Bonds should be treated as cash (emergency fund) or bonds, etc. I have a slightly different question... I'm currently formalizing our IPS and have never thought too much about how to categorize our I Bonds. Our goal is to keep things relativel...
by exigent
Sat Aug 20, 2011 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard, My Portfolio- "Other" category
Replies: 4
Views: 624

Also be aware that every once in awhile, one of my external investments will get re-characterized as "other" and I'll have to go back in and fix it. Not sure what causes it, but it happens from time to time. Otherwise, Portfolio Watch is a great and very useful tool.
by exigent
Thu Aug 18, 2011 12:54 pm
Forum: Personal Consumer Issues
Topic: $825 for a tune up!
Replies: 46
Views: 6654

Check the owner's manual. Some dealers will throw in stuff beyond what's listed in the manual. I usually follow the recommended service schedule, but I don't do extras. Once you have the list, any competent mechanic can do the work. The main thing to watch out for is the tranny service - at least so...
by exigent
Wed Aug 17, 2011 4:42 pm
Forum: Personal Consumer Issues
Topic: Place to stay in Myrtle Beach
Replies: 10
Views: 1524

Dunes Village is great.
by exigent
Wed Aug 17, 2011 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: VWAHX (Vanguard High-Yield Tax-Exempt Inv) vs VIPSX (TIPS)
Replies: 10
Views: 6131

If an investor wanted to hold TIPS in a taxable account because there was not enough tax deferred space, would that be a problem? Treasuries are tax exempt at the state level and are subject to federal taxes. I thought TIPS functioned the same? Yes, it would be a problem. No, they are not the same....
by exigent
Tue Aug 16, 2011 5:03 pm
Forum: Personal Consumer Issues
Topic: What's wrong with overbalancing-wheel perpetual motion?
Replies: 77
Views: 19476

grayfox wrote:So if perpetual motion machines are impossible, how does the eath keep spinning? Hmm?
It hasn't stopped YET.
by exigent
Tue Aug 16, 2011 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: Spartan TSM and Vanguard TSM for tax loss harvesting
Replies: 11
Views: 1518

http://www.fairmark.com/capgain/wash/wsident.htm If you can lay the price graph for your new investment on top of the price graph for the old one and never see a significant disparity (as would be the case for two high quality S&P 500 funds), the investments should be considered substantially ident...
by exigent
Tue Aug 16, 2011 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Surprise personal debt, Experian responds
Replies: 28
Views: 4348

What I didn't understand: Why Experian had to contact any other party, because the documents I provided to Experian were dispositive as to whether we were responsible for the debt. Short recap: I enclosed documents conclusively showing we donated the car to charity four years before the parking tic...
by exigent
Tue Aug 16, 2011 2:43 pm
Forum: Investing - Theory, News & General
Topic: Just bought my first ETFs...
Replies: 2
Views: 557

Just bought my first ETFs...

Subject says it all... I just bought my first Vanguard ETFs using their brokerage platform. I actually own some of their ETFs, but those were from a prior share class conversion. I used limit orders around (slightly below) the prevailing market price and the orders were filled very quickly - like by...
by exigent
Tue Aug 16, 2011 1:56 pm
Forum: Personal Consumer Issues
Topic: New ING Direct feature -- a "checkbook"
Replies: 12
Views: 2019

They are working on remote deposit. They hinted that it would be available by July 4th, but that didn't happen. It's coming, but the timeframe (beyond "soon") is currently unknown.
by exigent
Mon Aug 15, 2011 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: First Home: Buy More Given Current Climate?
Replies: 31
Views: 2856

Looking at those three pics that were added to the OP, the third option also appears to give the potential for adding on in the future. With a townhouse, that's obviously out of the question, and the lots in neighborhood 2 are too small to easily accomodate an addition. Of course, you also have to d...
by exigent
Mon Aug 15, 2011 10:58 am
Forum: Investing - Theory, News & General
Topic: Capital Losses: How Much Have You Accumulated?
Replies: 24
Views: 2584

neverknow: As I'm sure you know, the goal here isn't to lose money, and it's silly to suggest that it is. Rather, given that the markets are down, and that you have already lost money (on paper), it makes good sense to grab what little benefit that you can. You're only locking in those losses if you...
by exigent
Mon Aug 15, 2011 10:33 am
Forum: Personal Finance (Not Investing)
Topic: First Home: Buy More Given Current Climate?
Replies: 31
Views: 2856

I'm curious as to why you think you'd outgrow a 2600-2900 sq ft home in the next 10-12 years. I'm assuming that means that you're planning on having kids, but that's a good amount of space. We are a family of six and live in roughly 3k sq ft without feeling anywhere near cramped. Also, you left out ...
by exigent
Mon Aug 15, 2011 10:20 am
Forum: Investing - Theory, News & General
Topic: Capital Losses: How Much Have You Accumulated?
Replies: 24
Views: 2584

Good point on the sale of a second home. Another possibility would be selling a business (or your stake in a business). That could eat up a huge amount of harvested losses in a hurry.
by exigent
Sun Aug 14, 2011 10:25 pm
Forum: Investing - Theory, News & General
Topic: Capital Losses: How Much Have You Accumulated?
Replies: 24
Views: 2584

Ugh. I had a $250k+ category, but it didn't show up. I'll try to fix it.

Edit: Looks like you can't fix it once someone has answered...
by exigent
Sun Aug 14, 2011 10:17 pm
Forum: Investing - Theory, News & General
Topic: Capital Losses: How Much Have You Accumulated?
Replies: 24
Views: 2584

Capital Losses: How Much Have You Accumulated?

Given the recent market turmoil, I thought it would be interesting to run a poll on how much you've accumulated in terms of capital losses. I'm talking here about losses carried over from previous years plus any that you've harvested this year. Obviously, in addition to answering the poll, you shoul...
by exigent
Sun Aug 14, 2011 9:54 pm
Forum: Personal Consumer Issues
Topic: Home security safe
Replies: 24
Views: 3504

dandetour wrote:Liberty. You might find a better selection at a Sporting Goods store like Academy or Dicks. Expect to pay over $1k, maybe close to $1.5k.
Dan
FWIW: Was at Academy today and looked at the safes. They really only had small handgun-type safes/lockboxes. Nothing substantial. YMMV.
by exigent
Sun Aug 14, 2011 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Why Does Fidelity Offer Vanguard Funds?
Replies: 12
Views: 3264

Fidelity charges $75 for each purchase of a Vanguard mutual fund. Yup. But "only" $5 for auto-investments once you establish a position. The good news is that you can set up an auto-investment, let it run once, and then cancel. In other words, you can do all subsequent investments for $5/each, even...
by exigent
Sun Aug 14, 2011 9:40 pm
Forum: Personal Consumer Issues
Topic: Would you rather see the stock market drop or rise for 2011?
Replies: 39
Views: 3432

I'd like the stock market to increase every year. Without fail. Forever.
by exigent
Sat Aug 13, 2011 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: Choosing Vanguard VEU or VXUS (FTSI vs MSCI)
Replies: 11
Views: 18428

I think one includes Canada and the other doesn't - not 100% sure. But the small cap difference is the biggest. That said, they're very similar. Pick one now and loss harvest/exchange into the other later. Just did this from total intl into ftse last week. Will move back next month if we don't see a...
by exigent
Sat Aug 13, 2011 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: Do I "need" equities?
Replies: 21
Views: 3890

Excellent question I agree with avalpert and Mel. If you have enough that the income from TIPS will support you (beware the tax consequences, though) then you're (arguably) done. That said, a small amount of equities actually reduces risk while improving returns. Essentially a free lunch.
by exigent
Sat Aug 13, 2011 4:02 pm
Forum: Personal Consumer Issues
Topic: Diet Cokes
Replies: 101
Views: 12943

Greetings Bogleheads: exigent things that everyone should start posting in the third person, just like the Munchkin Man. exigent thinks this because he is mildly amused by many of the Munchkin Man's posts. The only problem is that exigent doesn't have the time or energy to write the hugely long post...
by exigent
Fri Aug 12, 2011 6:20 am
Forum: Investing - Help with Personal Investments
Topic: 4 Fund Portfolio
Replies: 20
Views: 4549

Has anyone done a survey to see what Bogleheads feel is the best ratio for TIPS/TBM? http://www.bogleheads.org/forum/viewtopic.php?t=62894 I found this in two seconds with a Google search for: bogleheads tips bonds I didn't re-read, but my recollection is that the answers are all over the place, bu...
by exigent
Fri Aug 12, 2011 6:10 am
Forum: Investing - Help with Personal Investments
Topic: Bonds/TIPS in Emergency Funds
Replies: 12
Views: 2276

TIPS are bad in taxable accounts. I-bonds could be a good option, but cannot be broken for 12 months. Another option would be long-term CDs at Ally, which has only a 60 day interest penalty for early withdrawal.
by exigent
Thu Aug 11, 2011 4:10 pm
Forum: Personal Consumer Issues
Topic: best tennis balls for 5 year old
Replies: 21
Views: 3541

I bought a can of Penn tennis balls at WalMart for $1.47 the other day. No idea how they are for tennis, but they sure were cheap. I use them to roll the bottom of my feet if they ache the day after long runs. And no, I'm not nearly as old as that makes me sound. :wink: